Insurance

Annuities

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you,
either immediately or in the future. You buy an annuity by making either a single payment or a series of
payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.

People’s Securities can help you determine if an annuity is the right investment to meet your income, legacy and
retirement goals.

Related Information

Disclaimer

*Withdrawals prior to age 59 1/2 are subject to a tax penalty in addition to ordinary taxes.

†People’s Securities, Inc., is not a tax advisor. As individual tax situations may differ, you should
consult your tax advisor.‡Such guarantees are subject to the claims-paying ability of the underlying insurance company.

Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of
the variable annuity and its underlying investment options. The current contract prospectus and underlying fund
prospectuses, which are contained in the same document, provide this and other important information. Please
contact your representative or the company to obtain the prospectuses. Please read the prospectuses carefully
before investing or sending money.

Investment and Insurance Products:

• Not Insured by FDIC or any Federal Government Agency
• Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate
• May Lose Value

Investment and insurance products are offered through People’s Securities, Inc., a Broker/Dealer, member of FINRA and SIPC, an insurance agency and a registered investment advisor. People’s Securities, Inc. is a subsidiary of People’s United Bank, N.A.